Mazano tisati tavaka patsva yedu asset portfolio

Kana musika wanyanya kushanduka, zviri nyore kutakurwa nemutengo wezuva nezuva uye kurasikirwa nekutarisa. Ndosaka ino iri nguva yakanaka yekudzokera kusquare yekutanga kune yakakwana yekudyara revamp uye kuvaka portfolio yedu kubva pasi kumusoro. Uye imwe yematanho ekutanga kuita izvi kugadzira a chirongwa chekuisa mari (IPS) inotsanangura zvinangwa zvedu zvekudyara, kumisikidza mugwagwa webasa redu rekudyara uye, pakupedzisira, kuona maratidziro eiyo portfolio yedu. Tinogona kuita izvi zviri nyore nekutarisa zvinhu zvina zvikuru zveIPS.

1. Nguva yakatarwa: Ndeipi nguva yezvinangwa zvangu?⏱️✅

Danho rekutanga kugadzira IPS kutsanangura zvinangwa zvedu zvekudyara uye kuti inguvai yatinayo yekuzvizadzisa. Kana tine 45 makore uye tiri kuisa mari kuti tipe mari yekurega basa pazera remakore makumi matanhatu nemashanu, semuenzaniso, tine mhedziso yenguva refu: 20 makore. Ukuwo, kana isu tine makore makumi maviri nemashanu uye tichida kutenga imba gore rinouya nemari yataisa mari izvozvi, tine nguva pfupi kwazvo. Kuti tizive zvedu, tinofanira kuzvibvunza kuti zvinangwa zvedu zvekudyara ndezvipi uye kuti nguva yedu ndeyei.

Nguva yedu yenguva ine simba guru pakukwanisa kwedu kutora njodzi uye, zvakare, kuumbwa kwepodfolio yedu. Kurebesa kwatinoona, ndiko kuwedzera kwenjodzi dzatinogona kutora, nekuti tichava nenguva yakawanda yekukunda kushanduka kwemusika kwenguva pfupi, kudzoreredza kubva mukurasikirwa kwekudyara, uye kuzadza account yedu nemari inotevera. Kupfupika kwemuono wenguva yedu, njodzi shoma yatinogona kutora. Ngatifungei tichienda pamudyandigere gore rinouya: kurasikirwa kukuru kwekudyara kunogona kuve nekukanganisa kukuru, kwakashata pakugona kwedu kuwana mari yemudyandigere.

2. Zvido zvemvura: Kangani pandichada kutora mari?🏧💴

Kudiwa kwemari kudiwa kwemari inodarika yatiri kuchengetedza muakaundi yedu yekudyara. Kana isu tichifanira kugara tichibvisa mari kubva kuaccount yedu yekudyara kuti tiwane mari, saka isu tine yakakwira liquidity inoda. Kana zviri izvo, isu tinofanirwa kuisa mari zvakanyanya mumidziyo yemvura, kureva, izvo zvinogona nyore uye nekukurumidza kushandurwa kuita mari. Kudiwa kwemari yakawanda kunoderedzawo kugona kwedu kutora njodzi: kana tikavimba nekugara tichibvisa mari, kurasikirwa kukuru kwekudyara kunogona kuve kwakashata.

Nekudaro, kana isu tiine yakaderera liquidity zvinodiwa, tinogona kutora njodzi yakawanda uye kuisa mari muzvinhu zvisiri izvo senge yakavanzika equity, real estate, uye kunyange zvinounganidzwa senge art uye dzemhando yepamusoro mota. Zvinhu izvi zvinogona kuwedzera pundutso yepodfolio. Uye sezvo vazhinji vavo vasingadi kutevedzera tsika dzechinyakare makirasi, vanogona kuwedzera kusiyanisa kwepodfolio uye kuderedza njodzi yese. Kana tiine maonero enguva refu, tinogona kunge tiine zvidikanwi zvakaderera uye tinogona kupira yakawanda yepotfolio yedu kune illiquid assets.

3. Kushivirira panjodzi: Ndinogona kurasikirwa zvakadini?❌💀

Izvi zvinofanirwa kutariswa maererano nechido chedu uye kugona kutora njodzi. Pamaviri acho, ekupedzisira anofanira kuwanzokunda. Nemamwe mashoko, kana tiine chido chikuru chekuisa njodzi asi tisingakwanisi kuzviita, tinofanira kuzvidzivisa nokuti zvinogona kutungamirira kumigumisiro ine njodzi yemari. Nekudaro, kana isu tiine kugona kwepamusoro kutora njodzi asi tisina chido chekudaro, tinogona kurasikirwa netingagona kuwana kuburikidza nekudyara zvakanyanya nekuchengetedza. Kana tichiri kuomerwa nekusarudza kuti tiri divi ripi, zvingava nani kuisa mari nekuchengetedza. Tinogona kurasikirwa neimwe purofiti, asi isu tinodzivisa kugara tichiita sarudzo dzisina kunaka dzekudyara tichipindura kushanduka kwemusika.

Kana kurasikirwa kudiki kuchitungamira kune njodzi yemari mhedzisiro (Semuenzaniso, zvinotitadzisa kuwana mari yakakwana yekurega basa gore rinouya), saka tine simba shoma rekutora njodzi. Kana, kune rimwe divi, isu tichigona kurasikirwa nemari yedu yese yataisirwa pasina kukuvadza mamiriro edu emari aripo uye hazvititadzise kuzadzisa zvinangwa zvedu zvekudyara (nokuti tine nguva refu, basa rinobhadharwa zvakanaka kana mari kune imwe nzvimbo), saka isu tine hukuru hwepamusoro hwekutora njodzi. Imwe nzira yekuenzanisa kushivirira kwedu kwenjodzi ndeyekutsanangura kuderedzwa kwakanyanya kunogamuchirwa kwatinogona kurarama nako. Iyo yakanyanya kudhirowa ndiyo yakanyanya kuderera-yepamusoro-kudonha kukosha kweiyo portfolio. Chimwe chinhu chiri pakati pe0% ne20% zvinoreva kuti tine kushivirira kwengozi shoma, pakati pe20% ne40% inoonekwa sepakati, uye pamusoro pe40% yakakwirira.

4. Kudzorera chinangwa: Imarii yandinotarisira kuwana?💰🤑

Pane chikonzero chinotsanangura kuti iyi ndiyo nhanho yekupedzisira mukugadzira IPS: nguva yako yekutarisa uye kushaya mvura kunoda rubatsiro kuona kushivirira kwako kwenjodzi, iyo inozotara chinangwa chako chekudzoka. Saka kana iwe uchidyara nekuchengetedza (nekuti une njodzi yakaderera kushivirira), saka haudi kuseta isingaite yakakwira kudzoka chinangwa. Ichi chinangwa chekuita chinofanira kugadzikwa seavhareji yenguva refu, kwete chinangwa chaunotarisira kuzadzisa gore rega rega. Misika haifungidziki uye chinangwa chakadaro hachikwanisiki. Zvakanaka, chinangwa chekudzoka chinofanirawo kutaurwa sekudzoka kwechokwadi, i.e. kudzoka shure kwekukwira kwemari. American stocks Vakagadzira anenge 7% avhareji yegore rekudzoka chaiko kubva 1928, uye US hurumende zvisungo anenge 2%. Izvi zvinobatsira kukupa iwe pfungwa yerudzi rwekudzoka chaiko kwaunofanirwa kutarisira: chimwe chinhu chiri pakati pe2-7% ndeyechokwadi zvichienderana nekushivirira kwako njodzi.

Kana tangotanga chinangwa chekudzoka, unogona kushandisa BlackRock's capital market fungidziro kuti uwane pfungwa yekuti ndeapi makirasi easset aunga sanganisira mune yako portfolio kuti ikubatsire kuzadzisa icho chinangwa. Izvi ndizvo BlackRock zvinotarisirwa yekudzoka kweakasiyana makirasi easset pane akasiyana nguva horizons tichifunga nezve yazvino macroeconomic nharaunda, kukosha uye nezvimwe. Ndokumbira utarise kuti fungidziro dzekuita kweBlackRock ndedzezita, kureva kuti inflation isati yasvika. Kuti usvike pazvibereko zvechokwadi, ingobvisa 2% (chiratidzo chakanaka chenguva refu inotarisirwa inflation) kubva kune mumwe nomumwe wavo.